When you have people harassing you every day wanting their money or if you have credit card bills stacked up high, then do not be afraid to get some help. You should get help before you get to the point where you cannot take it anymore. There are places you can go and people you can call to help relieve your debt. The only thing that you need to be aware of is that it does not happen overnight so having patience comes with the territory of asking for help.
Many banks will give you options on what you could do to become debt free such as debt counseling referrals and payment options. If you get to the point where you need a debt counselor, many banks can give you a referral to the best counselor with instructions on what to do. Do not ask for that kind of help unless you have multiple payments that you need to pay off, and they are causing you to stress out as well as becoming very overwhelmed. There are payment options you could ask about when you go in to talk to your banker. You may have the option to reduce your minimum payment, and they will work with you to provide the best payment that meets your financial standards.
If you choose to call a debt relief counselor over the phone instead of talking to them in person, you should make sure that the website you find is reliable and will not be after your money. They may schedule for you to come to their office for a meeting or they may meet with you over the phone. More than likely most people will end up having a phone conversation with them.
Whoever you talk to make sure you have patience and do not let your frustrations take control of what comes out of your mouth. You have to realize that it may take a year or five years for your debt to be completely gone. The amount of years it will take you to become debt free will also depend on the amount of payments you have outstanding.
Whether you talk to someone in person, such as at your local bank, or over the phone; you need to be sure that you tell them the exact amount of credit card payments you have outstanding. It is also important to mention the amount that is on each outstanding payment. Remember to let your counselor know your financial status such as if you are unemployed or receiving disability checks. Also let them know whether or not you are self employed. Those answers will help them be more aware of where you are at financially, and they will be able to help you find the right balance between feeling a little bit of relief to having your debt completely gone.